v3.25.2
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Credit Quality Indicator (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Term Loans Amortized Cost by Origination Year          
2025 $ 166,730   $ 166,730   $ 260,403
2024 262,350   262,350   299,782
2023 282,666   282,666   496,016
2022 464,249   464,249   272,066
2021 259,768   259,768   192,541
Prior 515,524   515,524   380,263
Revolving Loans Amortized Cost 173,037   173,037   166,273
Revolving Loans Converted to Term 8,090   8,090   4,075
Total loans, net of deferred loan fees and costs 2,132,414   2,132,414   2,071,419
Total gross charge-offs          
2025     0   52
2024     109   622
2023     345   746
2022     172   181
2021     842   99
Prior     35   152
Revolving Loans Amortized Cost     16   21
Revolving Loans Converted to Term     0   0
Total 1,120 $ 449 1,519 $ 816 1,873
Commercial and industrial          
Term Loans Amortized Cost by Origination Year          
2025 29,310   29,310   45,060
2024 38,966   38,966   32,419
2023 28,582   28,582   38,803
2022 31,624   31,624   17,520
2021 15,342   15,342   12,746
Prior 28,808   28,808   31,812
Revolving Loans Amortized Cost 116,353   116,353   119,401
Revolving Loans Converted to Term 5,489   5,489   1,760
Total loans, net of deferred loan fees and costs 294,474   294,474   299,521
Total gross charge-offs          
2025     0   0
2024     0   84
2023     0   200
2022     0   6
2021     772   0
Prior     0   0
Revolving Loans Amortized Cost     5   12
Revolving Loans Converted to Term     0   0
Total     777   302
Commercial and industrial | Pass          
Term Loans Amortized Cost by Origination Year          
2025 28,884   28,884   44,130
2024 37,956   37,956   32,157
2023 28,045   28,045   34,862
2022 29,161   29,161   16,787
2021 14,812   14,812   8,326
Prior 20,222   20,222   27,452
Revolving Loans Amortized Cost 107,196   107,196   108,819
Revolving Loans Converted to Term 2,628   2,628   1,380
Total loans, net of deferred loan fees and costs 268,904   268,904   273,913
Commercial and industrial | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 426   426   810
2024 639   639   262
2023 537   537   3,933
2022 2,463   2,463   0
2021 475   475   4,390
Prior 7,966   7,966   3,673
Revolving Loans Amortized Cost 6,435   6,435   10,203
Revolving Loans Converted to Term 2,658   2,658   62
Total loans, net of deferred loan fees and costs 21,599   21,599   23,333
Commercial and industrial | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   99
2024 351   351   0
2023 0   0   8
2022 0   0   733
2021 55   55   30
Prior 0   0   0
Revolving Loans Amortized Cost 2,722   2,722   379
Revolving Loans Converted to Term 106   106   318
Total loans, net of deferred loan fees and costs 3,234   3,234   1,567
Commercial and industrial | Doubtful          
Term Loans Amortized Cost by Origination Year          
2025 0   0   21
2024 20   20   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 620   620   687
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 97   97   0
Total loans, net of deferred loan fees and costs 737   737   708
Commercial Mortgages          
Term Loans Amortized Cost by Origination Year          
Total loans, net of deferred loan fees and costs 1,297,525   1,297,525   1,217,004
Total gross charge-offs          
Total 0 0 0 0  
Commercial Mortgages | Construction          
Term Loans Amortized Cost by Origination Year          
2025 8,170   8,170   19,344
2024 27,518   27,518   46,954
2023 37,422   37,422   17,568
2022 14,542   14,542   9,058
2021 8,938   8,938   0
Prior 1,431   1,431   1,536
Revolving Loans Amortized Cost 483   483   483
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 98,504   98,504   94,943
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   0
2022     0   0
2021     0   0
Prior     0   0
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total     0   0
Commercial Mortgages | Construction | Pass          
Term Loans Amortized Cost by Origination Year          
2025 8,170   8,170   19,344
2024 27,518   27,518   46,954
2023 37,422   37,422   17,568
2022 14,542   14,542   9,058
2021 8,938   8,938   0
Prior 1,431   1,431   1,536
Revolving Loans Amortized Cost 483   483   483
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 98,504   98,504   94,943
Commercial Mortgages | Construction | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 0   0   0
Commercial Mortgages | Construction | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 0   0   0
Commercial Mortgages | Construction | Doubtful          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 0   0   0
Commercial Mortgages | Owner occupied commercial real estate          
Term Loans Amortized Cost by Origination Year          
2025 23,008   23,008   23,196
2024 23,730   23,730   23,651
2023 22,901   22,901   27,808
2022 27,058   27,058   21,409
2021 20,808   20,808   9,513
Prior 40,992   40,992   34,550
Revolving Loans Amortized Cost 2,888   2,888   2,097
Revolving Loans Converted to Term 47   47   55
Total loans, net of deferred loan fees and costs 161,432   161,432   142,279
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   0
2022     0   0
2021     0   0
Prior     0   0
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total     0   0
Commercial Mortgages | Owner occupied commercial real estate | Pass          
Term Loans Amortized Cost by Origination Year          
2025 21,793   21,793   23,196
2024 23,730   23,730   23,185
2023 17,881   17,881   26,945
2022 23,948   23,948   20,979
2021 13,836   13,836   9,513
Prior 37,041   37,041   31,222
Revolving Loans Amortized Cost 888   888   97
Revolving Loans Converted to Term 47   47   55
Total loans, net of deferred loan fees and costs 139,164   139,164   135,192
Commercial Mortgages | Owner occupied commercial real estate | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 1,215   1,215   0
2024 0   0   370
2023 4,924   4,924   0
2022 2,290   2,290   109
2021 6,660   6,660   0
Prior 2,945   2,945   2,206
Revolving Loans Amortized Cost 2,000   2,000   2,000
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 20,034   20,034   4,685
Commercial Mortgages | Owner occupied commercial real estate | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   96
2023 96   96   863
2022 820   820   321
2021 312   312   0
Prior 997   997   1,107
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 2,225   2,225   2,387
Commercial Mortgages | Owner occupied commercial real estate | Doubtful          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 9   9   15
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 9   9   15
Commercial Mortgages | Non-owner occupied commercial real estate          
Term Loans Amortized Cost by Origination Year          
2025 74,080   74,080   97,155
2024 101,031   101,031   111,502
2023 120,636   120,636   273,361
2022 270,946   270,946   149,657
2021 147,279   147,279   98,842
Prior 315,475   315,475   241,792
Revolving Loans Amortized Cost 7,391   7,391   6,696
Revolving Loans Converted to Term 751   751   777
Total loans, net of deferred loan fees and costs 1,037,589   1,037,589   979,782
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   0
2022     0   0
2021     0   0
Prior     0   0
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total     0   0
Commercial Mortgages | Non-owner occupied commercial real estate | Pass          
Term Loans Amortized Cost by Origination Year          
2025 72,030   72,030   97,155
2024 101,031   101,031   109,354
2023 114,898   114,898   267,280
2022 263,157   263,157   141,864
2021 139,692   139,692   97,828
Prior 309,743   309,743   233,084
Revolving Loans Amortized Cost 7,391   7,391   6,696
Revolving Loans Converted to Term 751   751   777
Total loans, net of deferred loan fees and costs 1,008,693   1,008,693   954,038
Commercial Mortgages | Non-owner occupied commercial real estate | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 2,050   2,050   0
2024 0   0   0
2023 3,571   3,571   5,935
2022 7,652   7,652   7,793
2021 7,587   7,587   0
Prior 5,106   5,106   7,833
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 25,966   25,966   21,561
Commercial Mortgages | Non-owner occupied commercial real estate | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   2,148
2023 2,167   2,167   146
2022 137   137   0
2021 0   0   1,014
Prior 626   626   875
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 2,930   2,930   4,183
Commercial Mortgages | Non-owner occupied commercial real estate | Doubtful          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 0   0   0
Commercial Mortgages | Home equity lines and loans | Special mention          
Term Loans Amortized Cost by Origination Year          
2025         0
2024         0
2023         115
2022         0
2021         0
Prior         0
Revolving Loans Amortized Cost         0
Revolving Loans Converted to Term         0
Total loans, net of deferred loan fees and costs         115
Residential Mortgages          
Term Loans Amortized Cost by Origination Year          
2025 14,660   14,660   21,574
2024 23,986   23,986   20,257
2023 19,916   19,916   55,406
2022 53,379   53,379   55,923
2021 53,446   53,446   64,691
Prior 112,834   112,834   57,128
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 278,221   278,221   274,979
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   0
2022     0   0
2021     0   0
Prior     0   21
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total 0 3 0 19 21
Residential Mortgages | Not rated          
Term Loans Amortized Cost by Origination Year          
2025 14,660   14,660   21,574
2024 23,986   23,986   20,257
2023 19,916   19,916   55,321
2022 53,158   53,158   55,152
2021 52,883   52,883   64,471
Prior 111,654   111,654   56,708
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 276,257   276,257   273,483
Residential Mortgages | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   0
2023 0   0   85
2022 221   221   771
2021 563   563   220
Prior 1,180   1,180   420
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 1,964   1,964   1,496
Consumer Loans          
Term Loans Amortized Cost by Origination Year          
Total loans, net of deferred loan fees and costs 262,194   262,194   279,915
Total gross charge-offs          
Total 348 $ 446 742 $ 797  
Consumer Loans | Home equity lines and loans          
Term Loans Amortized Cost by Origination Year          
2025 4,695   4,695   13,833
2024 12,961   12,961   10,681
2023 9,549   9,549   14,272
2022 12,526   12,526   4,879
2021 4,486   4,486   2,503
Prior 11,723   11,723   10,454
Revolving Loans Amortized Cost 43,768   43,768   35,131
Revolving Loans Converted to Term 1,797   1,797   1,467
Total loans, net of deferred loan fees and costs 101,505   101,505   93,220
Total gross charge-offs          
2025     0   0
2024     0   0
2023     0   1
2022     0   0
2021     0   0
Prior     0   11
Revolving Loans Amortized Cost     0   1
Revolving Loans Converted to Term     0   0
Total     0   13
Consumer Loans | Home equity lines and loans | Not rated          
Term Loans Amortized Cost by Origination Year          
2025 4,695   4,695   13,833
2024 12,961   12,961   10,657
2023 9,502   9,502   14,094
2022 12,242   12,242   4,879
2021 4,486   4,486   2,503
Prior 11,535   11,535   10,259
Revolving Loans Amortized Cost 43,674   43,674   35,015
Revolving Loans Converted to Term 1,283   1,283   1,252
Total loans, net of deferred loan fees and costs 100,378   100,378   92,492
Consumer Loans | Home equity lines and loans | Special mention          
Term Loans Amortized Cost by Origination Year          
2025 0   0    
2024 0   0    
2023 0   0    
2022 114   114    
2021 0   0    
Prior 0   0    
Revolving Loans Amortized Cost 0   0    
Revolving Loans Converted to Term 0   0    
Total loans, net of deferred loan fees and costs 114   114    
Consumer Loans | Home equity lines and loans | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 0   0   24
2023 47   47   63
2022 170   170   0
2021 0   0   0
Prior 188   188   195
Revolving Loans Amortized Cost 94   94   116
Revolving Loans Converted to Term 514   514   215
Total loans, net of deferred loan fees and costs 1,013   1,013   613
Consumer Loans | Indirect consumer          
Term Loans Amortized Cost by Origination Year          
2025 11,794   11,794   37,821
2024 32,357   32,357   52,637
2023 42,536   42,536   67,344
2022 53,233   53,233   13,345
2021 9,342   9,342   4,205
Prior 4,062   4,062   2,766
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 153,324   153,324   178,118
Total gross charge-offs          
2025     0   47
2024     97   517
2023     329   525
2022     168   161
2021     67   99
Prior     35   116
Revolving Loans Amortized Cost     0   0
Revolving Loans Converted to Term     0   0
Total     696   1,465
Consumer Loans | Indirect consumer | Not rated          
Term Loans Amortized Cost by Origination Year          
2025 11,794   11,794   37,746
2024 32,204   32,204   52,480
2023 42,264   42,264   67,237
2022 53,045   53,045   13,266
2021 9,286   9,286   4,194
Prior 4,007   4,007   2,726
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 152,600   152,600   177,649
Consumer Loans | Indirect consumer | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   75
2024 153   153   157
2023 272   272   107
2022 188   188   79
2021 56   56   11
Prior 55   55   40
Revolving Loans Amortized Cost 0   0   0
Revolving Loans Converted to Term 0   0   0
Total loans, net of deferred loan fees and costs 724   724   469
Consumer Loans | Direct consumer          
Term Loans Amortized Cost by Origination Year          
2025 1,013   1,013   2,420
2024 1,801   1,801   1,681
2023 1,124   1,124   1,454
2022 941   941   275
2021 127   127   41
Prior 199   199   225
Revolving Loans Amortized Cost 2,154   2,154   2,465
Revolving Loans Converted to Term 6   6   16
Total loans, net of deferred loan fees and costs 7,365   7,365   8,577
Total gross charge-offs          
2025     0   5
2024     12   21
2023     16   20
2022     4   14
2021     3   0
Prior     0   4
Revolving Loans Amortized Cost     11   8
Revolving Loans Converted to Term     0   0
Total     46   72
Consumer Loans | Direct consumer | Not rated          
Term Loans Amortized Cost by Origination Year          
2025 1,013   1,013   2,420
2024 1,793   1,793   1,681
2023 1,124   1,124   1,454
2022 941   941   275
2021 127   127   41
Prior 199   199   225
Revolving Loans Amortized Cost 2,144   2,144   2,455
Revolving Loans Converted to Term 5   5   14
Total loans, net of deferred loan fees and costs 7,346   7,346   8,565
Consumer Loans | Direct consumer | Substandard          
Term Loans Amortized Cost by Origination Year          
2025 0   0   0
2024 8   8   0
2023 0   0   0
2022 0   0   0
2021 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost 10   10   10
Revolving Loans Converted to Term 1   1   2
Total loans, net of deferred loan fees and costs $ 19   $ 19   $ 12